Offer free consultations: Provide a no-obligation consultation to potential clients, allowing them to experience your expertise firsthand.
Gardian Finance is a long established and respected financial services firm, with access to over 30 of Australia’s leading lenders. We can compare hundreds of products to help you find the loan that’s right for you, at no cost to you. Â
Our expertise spans various lending solutions, including home loans for aspiring homeowners, investment and commercial loans for business growth, debt consolidation to streamline finances, personal and car loans for individual goals, and equipment finance and leasing options for businesses seeking to expand their operational capabilities.
Gardian Finance specializes in finding the right home loan to suit your needs. Whether buying your first home or refinancing, our team ensures you get the best long-term deal.
Are you ready to get started?
Book your appointment with one of our advisors today.
Gardian Finance simplifies investing for you. Our experienced brokers will discuss your investment needs and goals, whether short, medium, or long-term.
Are you ready to get started?
Book your appointment with one of our advisors today.
Gardian Finance helps individuals apply for personal loans and car loans. We compare offers from over 30 lenders to find the car loan that best suits your needs.
Are you ready to get started?
Book your appointment with one of our advisors today.
Whether you are starting out or have an established business, having the right equipment is critical.
From coffee machines to mining machinery, Gardian Finance helps you find and understand finance options, sourcing loans tailored to your needs.
Are you ready to get started?
Book your appointment with one of our advisors today.
Managing debts can be stressful and time-consuming. Gardian Finance looks at ways to get you back on track and help you regain control of your finances.
Are you ready to get started?
Book your appointment with one of our advisors today.
In collaboration with Mortgage Choice, we compare products to uncover the one that perfectly suits your needs – and the best part? It's all done at no cost to you.
"Excellent level of service provided by team were very clear in all information provided"
Gardian Finance and Gardian Insurance Client
"We recently refinanced our home loan with Justin. He and his team were very professional and it was an easy and hassle free experience. We would definitely recommend Gardian Finance."
Gardian Finance Client
"Ben Phillips has assisted us several times since 2014 and we will continue to engage with him even when we relocate interstate. His passion for what he does is infectious and he always goes above and beyond to ensure we know what is happening. I really appreciate and trust his knowledge and dedication"
Gardian Finance Client
"Zach, was amazing, kept me calm and helped my dreams come true with my renovations. Thanks again Zach 😃"
Gardian Finance Client
Take a look at our blog posts that have been getting alot of attention
Don't wait! Take the first step towards securing your dream home in Mackay today!
September 8, 2024
Gardian Real Estate operates with a high standard of ethics and transparency, ensuring that all dealings are honest and straightforward.
September 11, 2024
Owner / Director - Gardian Finance
After 12 years in the local trade industry as a Business Development Officer, Ben joined the Mortgage Choice team in 2006. Through deep finance industry knowledge and a highly ethical nature, Ben has helped to establish Gardian’s position as a local leader in financial services. His innate ability to empower clients and staff has resulted in 75% of Phillips Mortgage Choice’s business coming from repeat customers. He aspires for his clients to achieve the great Australian dream, nightmare free! Having personally gone through the process of building and purchasing property (for both personal and investment purposes) Ben’s passion for the industry is undeniable. Ben offers a personalised service to ensure the process of obtaining a loan is seamless! Ben Phillips 73 Wood Street, Mackay 0412 177 181 ben.phillips@mortgagechoice.com.au
Loan Consultant
Justin joined the team in August 2017 after having previously worked for leading companies such as Telstra and Next Byte for over two and a half years. Justin completed his Diploma of Finance and Mortgage Broking in 2020. Having started as loan processor Justin has advanced in his career and is now a Loans Consutant. His dedication to customer service promotes an effortless process for clients during their experience to feel confident and at ease.
Loan Consultant
Zachary joined the Gardian Finance team in January 2022 as a loan processor assisting Ben and has advanced his role to become a Loan Consultant. Having previously worked in various roles for a leading telecommunications company, Zach has the ability to understand his clients needs and objectives to help direct them to the best solution for their finance journey. 73 Wood Street, Mackay 0418 925 501 zachary.spencer@mortgagechoice.com.au
Loan Consultant
Nikita has been a part of the Mortgage Choice family since 2012, commencing her career with Ben in Finance at just 18 she gained valuable experience in the finance world. Using the knowledge and on hand experience she obtained in her position, she promptly completed her Diploma in Finance and Mortgage Broking completed the lender accreditations and immediately found her passion in assisting others in achieving their financial goals and creating financial wealth & security for our clients. In 2017 Nikita decided she wanted to further educate herself and transitioned to Real Estate. After a few years in Real Estate - Property Management, she hit pause on her career and started her family. In 2022 Nikita returned to our Finance team. Having experience in Finance, Real Estate, Administration and Hospitality, Nikita brings a diverse skill set to her current position. Her role as Office Management support is to help in all arears to support Ben and Justin in the running of the office. Nikita is also responsible for and conducts regular training with our admin support staff to ensure everyone is kept up to date with compliance and new lending policies. Nikita’s passion for the industry and hands on knowledge, industry experience and willingness to help her team members reach their full potential makes her the perfect fit for our Finance Team.
Loans Processor | Administration Assistant
Grace joined the Mortgage Choice team in August 2020. Grace is currently one of our main receptionists and administration support to our team of brokers. Grace is also a loan processor and assists with Justin's clients. Her bubbly personality and previous experience in a major shopping centre customer service filed makes Grace the perfect person to provide customers with a great first impression. 73 Wood Street, Mackay 07 4957 7424
Loans Processor | Administration Assistant
Golda has worked for Gardian Finance since May 2022. Golda works alongside Kate as a Loan Processor and also assists with Ben’s clients from initial appointment through to settlement ensuring the process is as smooth & stress free as possible. Golda is always happy to answer any question or query you could have. 73 Wood Street, Mackay 07 4957 7424 golda.emery@mortgagechoice.com.au
Administration Assistant
Late 2023, Ella joined our team after finishing school with years of customer service and retail experience. Although Ella hasn't been working with our team for very long, as the daughter of Peter and Denise Philips who established our office in Mackay in 2000, Ella has a great understanding of our values and wants to use her personal connection to the business to ensure brokers and clients reach their goals as efficiently as possible.
Administration Assistant
My ultimate goal is to become a successful Financial Broker. One of my biggest achievements is starting up my own lawn mowing business at the age of 17.
